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1.发明申请DESKTOP ALERT WITH INTERACTIVE BONA FIDE DISPUTE INITIATION THROUGH CHAT SESSION FACILITATED BY DESKTOP APPLICATION 失效桌面提醒与交互式BONA FIDE争议通过桌面应用程序通过聊天会议启动公开(公告)号：US20090287604A1
公开(公告)日：2009-11-19
申请号：US12122573
申请日：2008-05-16
申请人： Ayse Korgav , Raymond P. P. Chan , Jie Feng , Michele Ann Colgan
发明人： Ayse Korgav , Raymond P. P. Chan , Jie Feng , Michele Ann Colgan
CPC分类号： G06Q20/04 , G06F8/61 , G06Q20/10 , G06Q20/102 , G06Q20/12 , G06Q20/4016 , G06Q20/405 , G06Q30/02 , G06Q40/00
摘要： A consumer installs a desktop application on a computer which renders a user interface on the computer's desktop. Upon installation, the desktop application is registered to receive offers and alerts. Each alert includes data for a transaction on an account conducted with a merchant where the account was issued by an issuer to an account holder to conduct transactions on the account with merchants. A received alert is rendered on the desktop. If the consumer, upon review of the rendered alert, deems the corresponding transaction to be fraudulent, the consumer can operate the user interface to activate a live chat with a web service, and use the live chat to send information sufficient to initiate a bona fide dispute of the transaction. The offers are rendered on the user interface as advertisement and are selectable to initiate a transaction on the account.
摘要翻译： 消费者在计算机上安装桌面应用程序，从而在计算机的桌面上呈现用户界面。 安装后，桌面应用程序被注册接收报价和提醒。 每个警报包括与商户进行的帐户交易的数据，其中帐户由发行人发行给账户持有者以与商家的账户进行交易。 收到的警报在桌面上呈现。 如果消费者在查看所提醒的警报后，认为相应的交易是欺诈性的，消费者可以操作用户界面来激活与Web服务的实时聊天，并使用即时聊天发送足以启动真实信息的信息 交易争议。 这些优惠在用户界面上呈现为广告，并可选择在该帐户上启动交易。
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2.发明授权Desktop alert with interactive bona fide dispute initiation through chat session facilitated by desktop application 失效通过桌面应用促进的聊天会话，通过交互式真正的争议发起桌面警报公开(公告)号：US08346662B2
公开(公告)日：2013-01-01
申请号：US12122573
申请日：2008-05-16
申请人： Ayse Korgav , Raymond P. P. Chan , Jie Feng , Michele Ann Colgan
发明人： Ayse Korgav , Raymond P. P. Chan , Jie Feng , Michele Ann Colgan
IPC分类号： G06Q40/00
CPC分类号： G06Q20/04 , G06F8/61 , G06Q20/10 , G06Q20/102 , G06Q20/12 , G06Q20/4016 , G06Q20/405 , G06Q30/02 , G06Q40/00
摘要： A consumer installs a desktop application on a computer which renders a user interface on the computer's desktop. Upon installation, the desktop application is registered to receive offers and alerts. Each alert includes data for a transaction on an account conducted with a merchant where the account was issued by an issuer to an account holder to conduct transactions on the account with merchants. A received alert is rendered on the desktop. If the consumer, upon review of the rendered alert, deems the corresponding transaction to be fraudulent, the consumer can operate the user interface to activate a live chat with a web service, and use the live chat to send information sufficient to initiate a bona fide dispute of the transaction. The offers are rendered on the user interface as advertisement and are selectable to initiate a transaction on the account.
摘要翻译： 消费者在计算机上安装桌面应用程序，从而在计算机的桌面上呈现用户界面。 安装后，桌面应用程序被注册接收报价和提醒。 每个警报包括与商户进行的帐户交易的数据，其中帐户由发行人发行给账户持有者以与商家的账户进行交易。 收到的警报在桌面上呈现。 如果消费者在查看所提醒的警报后，认为相应的交易是欺诈性的，消费者可以操作用户界面来激活与Web服务的实时聊天，并使用即时聊天发送足以启动真实信息的信息 交易争议。 这些优惠在用户界面上呈现为广告，并可选择在该帐户上启动交易。
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